PCB Secured Visa® Credit Card
Powerfull tool for establishing a positive credit history
Updated: Jan 11, 2022
Issued by Plains Commerce Bank, the PCB Secured Visa credit card comes with credit reporting, waived cash advance and international transaction fees for the first year, credit building tools, and fast, 60 seconds online decision.
ANNUAL FEE
$39
ONGOING APR
18.90% Fixed
INTRO APR
N/A

at PCB's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Good
Key Features
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- A minimum collateral deposit of $200 is required to open this account.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit.
- Reports monthly to all three major credit bureaus.
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
Our Take
PCB is a secured card that will help to build your future! It is important to establish a positive credit history if you want a better credit card, better interest, or a better loan rate. That’s why the Plains Commerce Secured Visa credit card was created. Whether you are building, rebuilding your credit, or new to credit, this secured card is a good choice. The card reports to all three Credit Bureaus and has waived Cash Advance and International transaction fees for the first year. The minimum secured deposit is $200 and a maximum of $1,000 for the first year. After 1 year, you can request a secured credit limit increase of up to $5,000. The PCB card offers a fast online credit card pre-approval process with instant response. There is no credit check and no employment verification. However, the card comes with an annual fee and needs SSN to apply (Sable ONE – needs no SSN).
RELATED: See “What is PCB Secured Visa Card?” web story
Pros
- Helps build/ rebuild your credit
- Credit reporting
- Cash Advance fee waived the first year
- Int. Transaction fee waived the first year
- Get PCB credit card pre-approval in 60 seconds
Cons
- Has an annual fee
- No bonus or rewards
- Min $200 is required to open an account
Best PCB Secured Card Alternatives
- OpenSky Secured Visa
- Chime Secured Visa
- First Progress Elite Mastercard
- Surge Secured Mastercard
- Merrick Bank Double Your Line Secured Visa
PCB Secured Visa FAQs
Issuer: | Plains Commerce Bank |
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Network: | VISA® |
Category: | Consumer (Secured) |
Best Used For: |
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Rewards: | No |
Regular APR: | 18.90% |
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Regular APR Type: | Fixed |
Annual Fee: | $39 |
Balance Transfer: | No |
APR on Cash Advances: | 20.90% |
Grace Period: | 25 days |
Other Fees: |
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PCB Secured Visa® Credit Card Alternatives
![]() PCB Secured Visa® Credit Card |
APPLY NOW |
Annual Fee $39 |
Regular APR 18.90% |
Intro APR N/A |
Min. Credit Level Good |
PCB Secured Visa® Credit Card
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